RRIF/LIA minimum and maximum withdrawal limits

Create a Reference Table for Planning Future Withdrawals from LIF/RRIF


	CRA and OSFI will adjust these ratios.	This table is based on 2025

This table is intended to help plan and calculate future withdrawals from LIF (Life Income Fund) or RRIF (Registered Retirement Income Fund).

Since converting an RRSP to an RRIF before age 65 is generally not a logical choice, the RRIF section only includes ages 65 and above.
Technically, it is possible to convert an RRSP into an RRIF before age 65, but it is usually not recommended.

The CRA (Canada Revenue Agency) and OSFI (Office of the Superintendent of Financial Institutions) periodically adjust these withdrawal rates.
The data in this table is based on 2025 regulations.

The minimum withdrawal percentages are set by the CRA.
The maximum withdrawal limits for LIFs are determined by OSFI.
RRIFs have no maximum withdrawal limit—you may withdraw up to 100% if desired.